Tivo - Case Writeup Essay Example | Topics and Well Written Essays - 750 words

Tivo - Case Writeup - Essay Example Before the launch of TiVo, television viewing was more of a passive activity, with top programs vying for the prime time slot, season premieres drawing in huge audiences and advertisers trying to gain advantage of such high viewership by grabbing prime time space. The presence of a large TV viewing audience, the habits of audiences, popularity of television as an integral part of entertainment as evident from the data showing trends in purchase of TV, and the added ease of watching one’s favorite shows, in itself presented the required business opportunity to launch the new concept in the market. During the initial execution phase of the product, several factors were observed that played a major role in assessing various elements of its business model. The product’s price was estimated to be quite high which was apparently more expensive than most TV sets. Besides, lack of awareness proved to be a setback in reaching the target markets which made marketing and sale of t he product even more challenging since unlike other products in that category, TiVo required extensive explanations for its various features. Moreover, the advertisers showed concern over one of its features that allowed the viewers to forward advertisements. These factors guided the company to frame better policies and terms that would be beneficial to both the parties concerned. TiVo had a huge subscriber base comprising of 42000 subscribers, just fourteen months after its launch, with a strong and impressive current rate of 14,000 new subscribers per quarter. It had strategic partnerships with superstar brands – Sony and Phillips and subsidized them to manufacture, distribute and promote the black box to the retailers. Apart from the revenues from advertisers and subscribers, the other major source of revenue was through the sale of hardware. In order to penetrate the 102 million TV viewing households market in the U.S.,

Mediterranean Diet And Public Health Essay Example | Topics and Well Written Essays - 750 words

Mediterranean Diet And Public Health - Essay Example The diet has been found to reduce cancer and type 2 diabetes; however, the main disadvantage of this diet is its cost, which is very expensive. Human beings for a long time have devised various dietary methods in an attempt at living a healthy life by choosing carefully choosing what type of foods they eat. The Mediterranean diet is an example of such dieting whose primary principles include high consumption of fruits, vegetables among others. Besides these foods, the Mediterranean diet allows for a reasonable consumption of wine and wiry meats while discouraging the consumption of processed meals. Moreover, the Mediterranean way of life advocates for constant physical activity and a social support system while enjoying your meals. There have been growing criticisms regarding the Mediterranean diet with opponents raising questions on its wholesome nutritional values and the costs that come with maintaining it. It is important to note that the Mediterranean diet has been proven a healthy way of life that provides the body with all the essential elements. The Mediterranean diet is a healthy way of eating because it is a nutrit ional tactic that helps the body keep slim, sturdy and active. Sofi et al (2010) in their meta-analysis found that Mediterranean diet been can be directly linked to decreased mortality from all causes particularly cardiovascular disease. The diet is composed of essential mono and polyunsaturated fats, which can reduce the levels of cholesterol in the body, consequently reducing the risks of heart-related diseases. Most importantly, the diet is very low in saturated fats that can increase the levels of cholesterol in the body. However, it is important to note that the Mediterranean diet does not strive to limit the total fat intake but rather encourages the intake of fats and oils that are less harmful to the body such as olive oil that is the major source of fat in the diet.

Graffiti Impact on Society

Graffiti Impact on Society On a wall, there is something that gives a hint of cowardliness, vandalism, pain and beauty. And that is what draws us to look at it, and admire whats within it. The origins of graffiti can be traced back to the Roman and Italian empires, as early as 100 B.C. The word graffiti, is the plural form of the Italian word graffito, which means to write or draw on a public surface. Graffiti is one of the most controversial forms of art, viewed by many as a positive form of self expression, while others define it as an act of vandalism. On a wall, there is something that gives a hint of cowardliness, vandalism, pain and beauty. And that is what draws us to look at it, and admire whats within it. The origins of graffiti can be traced back to the Roman and Italian empires, as early as 100 B.C. The word graffiti, is the plural form of the Italian word graffito, which means to write or draw on a public surface. Graffiti is one of the most controversial forms of art, viewed by many as a positive form of self expression, while others define it as an act of vandalismOn a wall, there is something that gives a hint of cowardliness, vandalism, pain and beauty (Lynard Norris). And that is what draws us to look at it, and admire whats within it. The origins of graffiti can be traced back to the Greek, Roman and Italian empires, as early as 100 B.C. The word graffiti is the plural form of the Italian word graffito, which means to write or draw on a public surface (If its Hip its Here). Graffiti is one of the most controversial forms of art, viewed by many as a positive form of self expression, while others define it as an act of vandalism.the most controversial forms of art, viewed by many as a positive form of self expression, while others define it as an act of vandalism. For your subtopics, have you considered discussing: 1.) Some detail about the historical significance, applications, of early graffiti 2.) The evolution of the art form throughout time 3.) Graffiti as a modern, urban form of expression. 4.) Legal implications of this art form and any attempts to legalize or promote it? In ancient times, graffiti was carved on walls with a sharp artifact, or painted with organic pigments. It was mainly used to express political messages, and to inform the members of an empire about an upcoming event. Although these markings were often created by liberal citizens, they were also sponsored by the government, to show their social ranking, and intimidate those who did not obey their commands. These forms of early graffiti, mostly displayed magic spells, declarations of love, literary quotes, and stories about daily life in society (Graffiti). However, not everyone would dare to implement this form of art, because it was constantly penalized. Many of these inscriptions can still be found in sepulchers and temples, as well as pillars of important monuments, helping historians learn more about past civilizations. As history evolves, so does graffiti. Throughout the years, graffiti has been a cultural and aesthetical tradition that continues to cause controversies around the world. From its early days to the present, this form of art has always been among the most non ephemeral forms of human expression. As the times change, new forms of graffiti have been created. From scratches and paintings, to throw ups and peaces, the world has experienced the ever changing revolution of graffiti. Having a neutral connotation in two different spectrums from two completely opposite worlds (Shelby Sparrow), graffiti has modified and accustomed itself to fit in in all social classes, and atmospheres. Even though the techniques have changed, the attitudes have not. Everyone has a different point of view, agreeing or disagreeing with this act. Being a very biased subject, it reflects culture and art, however it also influences divisions in society (Jeremy Wegener). Now used by political activists to make statements, and gang members to mark territ ories, it is hard to define who is an illustrator, and who is a rebel. One can accurately infer who is involved in the modern graffiti movement, differencing a tagger from an artist by learning more about their forms of expression. I dont call what I do tagging, what I do is art. Its my thoughts, feelings and expressions. Tagging is going out and throwing up one line scribbles, I dont do that (Erick Ortega). In the late 1960s, a new form of art emerged. As one of the pioneers of modern graffiti art, CORNBREAD started to make himself known to the city of Philadelphia, by writing his name on train cars (At 149st). This radical movement was later called motion art. In 1972, Hugo Martinez founded the United Graffiti Artists Association, just a year after the New York Times Magazine published an article on TAKI 183, the first recognized graffiti Artist in America. Many people question who does graffiti, and why they do it, but the answers remain uncomprehended, rather than unanswered. To me, it [graffiti] means releasing stress or life worries, through a simple shake and spray of paint, I started hitting walls, and now Im addicted (Jaime Jackson). Those who dont call themselves artists or taggers, define themselves as writers. Because they dont only draw, they compose feelings, and show stories that they couldnt express in any other way. Among the many rules of graffiti, there are also various slang terms for the terminologies used, some of the most common include: Tag- to make a piece of graffiti, Toy- A new, inexperienced writer, Throw Up- One layer of spray paint filling in bubble letters that are outlined in another color, Hit/Hit Up- To tag, Wild style- A complicated piece constructed with interlocking letters, Fresh- Really good graffiti (Graffiti). Although these writers express many words with slang, they have a very open understanding of language, and literacy, applying it to their pieces of art, but leaving their thoughts for open interpretation. A lot of people dont even write anymore, we are forgetting the concept of literature, and ignoring the correct use of our beautiful language. I understand that graffiti can be a big problem, but when those individuals go out and capture an i dea that brings inspiration to others, thats when I feel proud of this urban form or art. They just need a place to do it, thats it. They shouldnt get in trouble for doing what they love (Crispin Sartwell). According to the San Diego Police Department Today, graffiti is a sign of urban decay. It has become everyones eyesore. Graffiti generates fear of neighborhood crime and instability. It is costly, destructive, lowers property values and sends a message that people of the community are not concerned about the appearance of their neighborhoods. It is also against the law!. In 2009, the maximum fine for tagging was $2,200, or 12 months of imprisonment (Law Link). These severe punishments have been driving taggers out of the streets, but not even these ultimatums can wipe out the graffiti environment completely. Cities all over the world, have been trying to put an end to this vandalism, but others have taken street art into galleries and museums, separating it from gang graffiti, which often has a poor taste, and is done strictly for marking territories. In New York City there are at least 20 art museums that promote graffiti art, and have used it to spread messages of peace and love ar ound the world. From stop signs that read war under them, to murals or public walls designed to show the consequences of a dysfunctional world, graffiti art is polemically inspiring people, one tag at a time. Somewhere in the world, there is a wall that is waiting to be read. Waiting to be judged, waiting to be admired. That wall is waiting to be discovered, and interpreted. This wall knows that it will be inspiring to some, maybe deceiving, or disappointing. It will bring creativity to someones mind, or anger to someones heart. But this wall will be discovered, and with it, different opinions will come. As we look around, we see that the world is in constant change, always being affected by those who habitat it. From the early days of graffiti, to the forms in which we now know it, art has shaped and rebuilt the basic idea of writing on a wall countless times. From hieroglyphics to carvings, to scratches, to oil pigmentations, to spray paintings, and from caves to tombs, to streets, to museums, graffiti keeps altering itself to match our world, and remain an active part of it. Graffiti art has always affected society, creating dilemmas on whether or not it is a true form of art or just a rebellious act. Why does graffiti exist? It began as a form of expression, a way of communication, and evolved to be a form of art, showing talent, and being available to all social classes.

Rap is Crap Essay examples -- essays research papers

Rap is Crap â€Å"She ain’t nuttin but a hoochie mama†¦Smackin’ on your lips, put your hands on your hips†¦She ain’t nuttin but a hoochie mama†¦Oh I love those big brown eyes and the way you shake your thighs, acting like you’re so damn cute...† Rap music with lyrics like this play on the radio and in home stereos every day. Rap music pounds messages of sex and violence into the minds of young adults leaving behind their sexist and repetitive influential messages. Music has a very powerful influence on our emotions, moods, and behavior. Rap music influences teenagers negatively by increasing violent attitudes and promoting sexual aggression against women. Very few people would argue the power of music. Mothers use it to rock their babies to sleep. Patriotic hymns can be used at rallies to evoke strong emotions of nationalism. Ballads have been used to incite rebellion. Some governments have viewed music so powerful that they ban it. In white dominated South Africa, centers of African music were destroyed and western music was declared forbidden in China during the Cultural Revolution. Is music powerful enough to incite antisocial and violent behavior? According Johnson, Jackson and Gatto’s study on the deleterious effects of exposure to rap music, subjects in the violent exposure conditions (rap music) expressed greater acceptance of violence. Subjects in the violent exposure condition also reported a higher probability that they would engage in violence (Johnson). Music plays an i...

Prewriting: Attitudes Toward Women Essay

1. INTRODUCTION a. Thesis Statement: With different motivations, but similar intentions the word choices and poetic rhetorical devices of the speakers reveal their attitudes toward women. Using persuasive techniques and extensive figurative language to compare and contrast Browning’s, â€Å"My Last Duchess,† and Marvell’s, â€Å"To His Coy Mistress,† it becomes clear that the main goal of the characters in these poems is their need to be the dominant force over the opposite sex. 2. Attitudes Towards Women Demonstrated in Poetry a. Illustrate how the speakers in each of the poems are trying to persuade women i. In the Duke’s case, it’s the envoy and in the speaker’s case, the woman. b. Both the characters aims are the same, but their motivations are different i. The speaker in â€Å"To His Coy Mistress† seems like a respectful man, who is articulate, this is important because it is his main strength which he uses to lure her to him. ii. The use of time to symbolize sex=self (To His Coy Mistress) †¢ The speaker of the poem is infatuated with a woman who won’t give him the time of day. The speaker chases the woman and he proposes that time is flying by and they should grab it and run as fast as they can. â€Å"Had we but world enough and time, /this coyness, lady, were no crime.† iii. The Duke in â€Å"My Last Duchess† is an arrogant, disrespectful man, who cares more about status and wealth then love. 3. Women are presented as objects of beauty and pleasur e a. Describe the tone and figurative language—imagery, simile, hyperbole, etc.—used to present woman as objects rather than their importance as human beings i. Elaborate on men only appreciating women for their physical appearance and ability to please their partner †¢ In ‘To His coy Mistress’, the woman is portrayed as beautiful, â€Å"The youthful hue sits on the skin like morning dew.† Here, the speaker praises the fair complexion of the woman through the use of simile. †¢ Similarly, in ‘My Last Duchess’, the Duke makes comments regarding his ex-duchess being captivating and alluring. â€Å"That’s my last duchess painted on the wall, looking as if she were alive. I call that a piece a wonder†. Here the Duke tries to impress the envoy with his ex-Duchess’s beauty as he stops to admire the painting of her. 4. The value of love versus total disregard for the role of women in society a. Compare and contrast the reasons each poem portrays both of these ideas b. To His Coy Mistress=values woman and the love they give i. Based on the speakers urge, or motives, for a sexual relationship with the lady ii. Describe the speakers polite techniques to praise and persuade, and how they develop into impatience and desperateness c. My Last Duchess=humiliates the role of women in society i. Show how women are viewed/treated as inferior and easily manipulated ii. Confirm the fact that because the Duchess did not depend on the Duke completely, she terrorized him. iii. Analyze the death— the speaker refers to the portrait of the wife he murdered as â€Å"My last duchess.† It hints that she was not his only duchess and that he might have had several wives before this â€Å"last† or â€Å"latest† one. 5. Mans obsession with domination over woman (need for submissiveness) a. The men in both poems want to feel like they are ranked higher than the women. They want to feel powerful and be controlling, aiming only to please and seek pleasure for themselves. 6. Mans insecurity in the absence of women dependence a. Answer the question: are men weakened by their dependency on the power they have over women? i. In To His Coy Mistress, although the speaker appears thoughtful and genuine, he is preoccupied with pursing an attractive and captivating young woman in all hopes of making love with her. No strings attached. ii. In My Last Duchess, When the Duke had the Duchess killed; it was a threat to all women. The Duke had the Duchess murdered because she did not worship her husband.

Project on Comparison of Public and Private Sector Banking

Genesis The banking sector has been undergoing a complex, but comprehensive phase of  restructuring since 1991, with a view to make it sound, efficient, and at the same time it isforging its links firmly with the real sector for promotion of savings, investment and  growth. Although a complete turnaround in banking sector performance is not expected till thecompletion of reforms, signs of improvement are visible in some indicators under theCAMELS framework. Under this bank is required to enhance capital adequacy, strengthenasset quality, improve management, increase earnings and reduce sensitivity to variousfinancial risks.The almost simultaneous nature of these developments makes it difficult todisentangle the positive impact of reform measures. In 1994, the RBI established the Board of Financial Supervision, which operates as a unit of  the RBI. The entire supervisory mechanism was realigned to suit the changing needs of astrong and stable financial system. The supervisory ju risdiction of the BFS was slowlyextended to the entire financial system barring the capital market institutions and theinsurance sector. Its mandate is to strengthen supervision of the financial system byintegrating oversight of the activities of financial services firms.The BFS has alsoestablished a sub-committee to routinely examine auditing practices, quality, and coverage. In 1995, RBI had set up a working group under the chairmanship of Shri S. Padmanabhan toreview the banking supervision system. The Committee gave certain recommendations and  based on such suggestions a rating system for domestic and foreign banks based on theinternational CAMELS model combining financial management and sensitivity to marketrisks element was introduced for the inspection cycle commencing from July 1998.Itrecommended that the banks should be rated on a five point scale (A to E) based on the linesof international CAMELS rating model. CAMELS rating model measures the relativesoundness of a bank . bj ectives of the Pro j ect Study ?To study the Financial Performance of the b anks.? y To study the strength of using CAMELS framework as a tool of Performanceevaluation for Commercial banks y To describe the CAMELS model of ranking banking institutions, so as to analyze  the  performance of various bank. R ationaleIn the recent years the financial system especially the banks have undergone numerouschanges in the form of reforms, regulations & norms. The attempt here is to see how variousratios have been used and interpreted to reveal a bank ¶s performance and how this particular  model encompasses a wide range of parameters making it a widely used and accepted modelin today ¶s scenario. Data Collection y Primary Data : Primary data was collected  from the Banks ¶ balance sheets and profitand loss statements. y Secondary Data : Secondary data on the subject was collected from ICFAI journals,Banks ¶ annual reports and RBIM ethodologyAs long as the methodology is co ncerned, we have made use of a framework calledCAMELS FRAMEWORK. There are so many models of evaluating the performance of the  banks, but I have chosen the CAMELS Model for this purpose. I have gone through several  books, journals and websites and found it the best model because it measures the  performance of the banks from each parameter i. e. Capital, Assets, Management, Earnings,Liquidity and Sensitivity to  Market risks. CAMELS evaluate banks on  the following six parameters : -? Capital Adequacy (CRAR)? Asset Quality (GNPA)? Management Soundness (MGNT)?Earnings & profitability (ROA)? Liquidity (LQD)? Sensitivity to Market  Risks (? ) websitDuring an on-site bank exam, supervisors gather private information, such as details on  problem loans, with which to evaluate a bank's financial condition and to monitor itscompliance with laws and regulatory policies. A key product of such an exam is asupervisory rating of the bank's overall condition, commonly referred to as a CAMELSrating. The acronym â€Å"CAMEL† refers to the five components of a bank's condition that areassessed : Capital adequacy, Asset quality, Management, Earnings, and Liquidity.A sixthcomponent, a bank's Sensitivity to market risk was added in 1997; hence the acronym waschanged to CAMELSAMELS is basically a ratio-based model for evaluating the performance of banks. Variousratios forming this model are explained below : Capital base of financial institutions facilitates depositors in forming their risk perceptionabout the institutions. Also, it is the key parameter for financial managers to maintainadequate levels of capitalization. The most widely used indicator of capital adequacy iscapital to risk-weighted assets ratio (CRWA).According to Bank Supervision RegulationCommittee (The Basle Committee) of Bank for International Settlements, a minimum 9  percent CRWA is required. Thus, it is useful to track capital-adequacy ratios that take intoaccount the most important financial risks? foreign exchange, credit, and interest raterisks? by assigning risk weightings to the institution ¶s assets. A sound capital basestrengthens confidence of depositors. This ratio is used to protect depositors and promote thestability and efficiency of financial systems around the world. Capital R isk Adequacy R atio:CRAR is a ratio of Capital Fund to Risk Weighted Assets. Reserve Bank of India prescribesBanks to maintain a minimum Capital to risk-weighted Assets Ratio (CRAR) of 9 % withregard to credit risk, market risk and operational risk on an ongoing basis, as against 8 %  prescribed in Basel documents. Component-wise Capital Adequacy of ScheduledCommercial Banks (As at end- M arch) Capital to R isk W eighted Assets R atio- Bank Group-wise Total capital includes tier-I capital and Tier-II capital. Tier-I capital includes paid up equitycapital, free reserves, intangible assets etc.Tier-II capital includes long term unsecuredloans, loss reserves, hybrid debt ca pital instruments etc. The higher the CRAR, the stronger  is considered a bank, as  it ensures high safety against bankruptcy. Asset quality determines the robustness of financial institutions against loss of value in theassets. The deteriorating value of assets, being prime source of banking problems, directly  pour into other areas, as losses are eventually written off against capital, which ultimately  jeopardizes the earning capacity of the institution. With this backdrop, the asset quality isgauged n relation to the level and severity of non-performing assets, adequacy of  Ã‚  provisions, recoveries, distribution of assets etc. Popular indicators include non-performingloans to advances, loan default to total advances, and recoveries to loan default ratios. One of the indicators for asset quality is the ratio of non-performing loans to total loans(GNPA). The gross non-performing loans to gross advances ratio is more indicative of thequality of credit decisions made by bankers. Higher GNPA is indicative of poor creditdecision-making. N PA: N on-Performing Assets:Advances are classified into performing and non-performing advances (NPAs) as per RBIguidelines. NPAs are further classified into sub-standard, doubtful and loss assets based onthe criteria stipulated by RBI. An asset, including a leased asset, becomes non-performingwhen it ceases to  generate income for the Bank. An NPA is a loan or an advance where : 1. Interest and/or installment of principal remains overdue for a period of more than 90days in respect of a term loan;2. The account remains â€Å"out-of-order† in respect of an Overdraft or Cash Credit(OD/CC);3.The bill remains overdue for  a period of more than  90 days in case of bills purchasedand discounted;4. A loan granted for short duration crops will be treated as an NPA if the installmentsof principal or interest thereon remain overdue  for two crop seasons; and5. A loan granted for long duration crops will be treat ed as an NPA if the installmentsof principal or interest thereon remain overdue  for one crop season. The Bank classifies an account as an NPA only if the interest imposed during any quarter isnot fully repaid within 90 days from the end of the relevant quarter. This is a key to thestability of the banking sector.There should be no hesitation in stating that Indian bankshave done a remarkable job in containment of non-performing loans (NPL) considering theoverhang issues and overall difficult environment. For 2008, the net NPL ratio for the Indianscheduled commercial banks at 2. 9 per cent is ample testimony to the impressive efforts  being made by our banking system. In fact, recovery management is also linked to the  banks ¶ interest margins. The cost and recovery management supported by enabling legalframework hold the key to future health and competitiveness of the Indian banks.No doubt,improving recovery-management in India is an area requiring expeditious and effective actions in legal, institutional and judicial processes. Management of financial institution is generally evaluated in terms of capital adequacy,asset quality, earnings and profitability, liquidity and risk sensitivity ratings. In addition,  performance evaluation includes compliance with set norms, ability to plan and react tochanging circumstances, technical competence, leadership and administrative ability. Ineffect, management rating is just an amalgam of performance in the above-mentioned areas.Sound management is one of the most important factors behind financial institutions ¶Ã‚  performance. Indicators of quality of management, however, are primarily applicable toindividual institutions, and cannot be easily aggregated across the sector. Furthermore, giventhe qualitative nature of management, it is difficult to judge its soundness just by looking atfinancial accounts of the banks. Nevertheless, total expenditure to total income and operating expense to total expense helps in gauging the management quality of the banking institutions.Sound management is key to  bank performance but is difficult to measure. It is primarily a qualitative factor applicable toindividual institutions. Several indicators, however, can jointly serve? as, for instance,efficiency measures do-as an indicator of management  soundness. The ratio of non-interest expenditures to total assets (MGNT) can be one of the measures toassess the working of the management. . This variable, which includes a variety of expenses,such as payroll, workers compensation and training investment, reflects the management  policy stance. E fficiencyR atios demonstrate how efficiently the company uses its assets and howefficiently the company manages its operations. Indicates the relationship between assets and revenue. ? Companies with low profit margins tend to have high asset turnover, those with high  profit margins have low asset turnover – it indicates pricing strategy. ? This rati o is more useful for growth companies to check if in fact they are growingrevenue in proportion to sales. Asset Turnover Analysis: This ratio is useful to determine the amount of sales that are generated from each rupee of  assets.As noted above, companies with low profit margins tend to have high asset turnover,those with high profit margins have low asset turnover. Earnings and profitability, the prime source of increase in capital base, is examined withregards to interest rate policies and adequacy of provisioning. In addition, it also helps tosupport present and future operations of the institutions. The single best indicator used togauge earning is the Return on Assets (ROA), which is net income after taxes to total assetratio. Strong earnings and profitability profile of banks reflects the ability to support present andfuture operations.More specifically, this determines the capacity to  absorb losses, finance itsexpansion, pay dividends to its shareholders, and build up a n adequate level of capital. Being front line of defense against erosion of capital base from losses, the need for highearnings and profitability can hardly be overemphasized. Although different indicators areused to serve the purpose, the best and most widely used indicator is Return on Assets(ROA). However, for in-depth analysis, another indicator Net Interest Margins (NIM) is alsoused. Chronically unprofitable financial institutions risk insolvency.Compared with mostother indicators, trends in profitability can be more difficult to interpret-for instance,unusually high profitability can reflect excessive risk taking. R O A- R eturn on Assets: An indicator of how  profitable a company is relative to its total assets. ROA gives an  idea asto how efficient management is at using its assets to generate earnings. Calculated bydividing a company's annual earnings by its total assets, ROA is displayed as a percentage. Sometimes this is referred to as â€Å"return on investment†. ROA tells what earnings were generated from invested capital (assets).ROA for publiccompanies can vary substantially and will be highly dependent on the industry. This is why when using ROA as a comparative measure, it is best to compare it against a company's  previous ROA numbers or the  ROA of a similar company. The assets of the company are comprised of both debt and equity. Both of these types of  financing are used to fund the operations of the company. The ROA figure gives investorsan idea of how effectively the company is converting the money it has to invest into netincome. The higher the ROA number, the better, because the company is earning moremoney on less investment.For example, if one company has a net income of $1 million andtotal assets of $5 million, its ROA is 20%; however, if another company earns the sameamount but has total assets of $10 million, it has an ROA of 10%. Based on this example,the first company is better at converting its investment into profit. When you really think  about it, management's most important job is to make wise choices in allocating itsresources. Anybody can make a profit by throwing a ton of money at a problem, but veryfew managers excel at  making large profits with little investment. R eturn on Assets and R eturn on E quity of SCBs- Bank Group-wiseAn adequate liquidity position refers to a situation, where institution can obtain sufficientfunds, either by increasing liabilities or by converting its assets quickly at a reasonable cost. It is, therefore, generally assessed in terms of overall assets and liability management, asmismatching gives rise to liquidity risk. Efficient fund management refers to a situationwhere a spread between rate sensitive assets (RSA) and rate sensitive liabilities (RSL) ismaintained. The most commonly used tool to evaluate interest rate exposure is the Gap  between RSA and RSL,  while liquidity is gauged by liquid to total asset ratio.Initially solvent financial institutions may be driven toward closure by poor management of  short-term liquidity. Indicators should cover funding sources and capture large maturitymismatches. The term liquidity is used in various ways, all relating to availability of, accessto, or convertibility into cash. ? An institution is said to have liquidity if it can easily meet its needs for cash either  Ã‚  because it has cash on  hand or can otherwise raise or borrow cash. ? A market is said to be liquid if the instruments it trades can easily be bought or soldin quantity with little impact on market prices. ?An asset is said to be liquid if the  market for that asset is liquid. The common theme in all three contexts is cash. A corporation is liquid if it has ready accessto cash. A market is liquid if participants can easily convert positions into cash? or  conversely. An asset is liquid if it can easily be converted to cash. The liquidity of aninstitution depends on : y the institution's short-term need for cash; y cash on hand; y available lines of credit; y the liquidity of the  institution's assets; y The institution's reputation in the marketplace? how willing will counterparty is totransact trades with or lend to the  institution?The liquidity of a market is often measured as the size of its bid-ask spread, but this is animperfect metric at best. More generally, Kyle (1985) identifies three components of marketliquidity : ? Tightness is the bid-ask spread; ? Depth is the volume of transactions necessary to  move prices; ? Resiliency is the speed with which prices return to equilibrium following a largetrade. Examples of assets that tend to be liquid include foreign exchange; stocks traded in theStock Exchange or recently issued Treasury bonds. Assets that are often illiquid includelimited partnerships, thinly traded bonds or real estate.Cash maintained by the banks and balances with central bank, to total asset ratio (LQD) isan indicator of bank's liquidity. In general, banks with a larger volume of liquid assets are  perceived safe, since these assets would allow  banks to meet unexpected  withdrawals. Credit deposit ratio is a tool used to study the liquidity position of the bank. It is calculated  by dividing the cash held in different forms by total deposit. A high ratio shows that there ismore amounts of liquid cash with the bank to met its clients cash withdrawals. It refers to the risk that changes  in market conditions could adversely impact earnings and/or  capital.Market Risk encompasses exposures associated with changes in interest rates, foreignexchange rates, commodity prices, equity prices, etc. While all of these items are important,the primary risk in most banks is interest rate risk (IRR), which will be the focus of thismodule. The diversified nature of bank operations makes them vulnerable to various kindsof financial risks. Sensitivity analysis reflects institution ¶s exposure to interest rate risk,foreign exchange volatility and equity price risks (these risks are summed in market risk). Risk sensitivity is mostly evaluated in terms of management ¶s ability to monitor and controlmarket risk.Banks are increasingly involved in diversified operations, all of which are subject to marketrisk, particularly in the setting of interest rates and the carrying out of foreign exchangetransactions. In countries that allow banks to make trades in stock markets or commodityexchanges, there is also a  need to monitor indicators of equity and commodity price risk. Sensitivity to Market Risk is a recent addition to the ratings parameters and reflects thedegree to which changes in interest rates, exchange rates, commodity prices and equity  prices can affect earnings and  hence the bank ¶s capital. It  is measured by Beta (? . 1. ? ;1, depicts that changes in the firm are less than the changes in the market. LessSensitive2. ? =1, depicts that there is equivalent change in the firm with the changes i n themarket Equally Sensitive. 3. ? ;1, depicts that changes in the firm are more than the changes in the market. Highly Sensitive. The Bank The word bank means an organization where people and business can invest or borrowmoney; change it to foreign currency etc. According to Halsbury ? A Banker is an individual,Partnership or Corporation whose sole pre-dominant business is banking, that is the receiptof money on current or deposit ccount, and the payment of cheque drawn and the collectionof cheque paid in by a customer.  ¶Ã‚ ¶ The O rigin and Use of Banks The Word  µBank ¶ is derived from the Italian word  µBanko ¶ signifying a bench, which waserected in the market-place, where it was customary to exchange money. The Lombard Jewswere the first to practice this exchange business, the first bench having been established inItaly A. D. 808. Some authorities assert that the Lombard merchants commenced the  business of money-dealing, employing bills of exchange as remittance s, about the beginningof the thirteenth century.About the middle of the twelfth century it became evident, as the advantage of coinedmoney was gradually acknowledged, that there must be some controlling power, somecorporation which would undertake to keep the coins that were to bear the royal stamp up toa certain standard of value; as, independently of the  µsweating ¶ which invention may place tothe credit of the ingenuity of the Lombard merchants- all coins will, by wear or abrasion,  become thinner, and consequently less valuable; and it is of the last importance, not only for  the credit of a country, but for the easier regulation of commercial transactions, that themetallic currency be kept as nearly as possible up to the legal standard. Much unnecessarytrouble and annoyance has been caused formerly by negligence in this respect. The gradualmerging of the business of a goldsmith into a bank appears to have been the way in which  banking, as we now understand the term, was introduced into England; and it was not untillong after the establishment of banks in other countries-for state purposes, the regulation of  the coinage, etc. that any large or similar institution was introduced into England.It is onlywithin the last twenty years that printed cheques have  been in use in that establishment. Firstcommercial bank was Bank of Venice which was established in 1157  in Italy. Banking sector, the world over, is known for the adoption of multidimensional strategiesfrom time to time with varying degrees of success. Banks are very important for the smoothfunctioning of financial markets as they serve as repositories of vital financial informationand can potentially alleviate the problems created by information asymmetries. From acentral bank ¶s perspective, such high-quality disclosures help the early detection of  Ã‚  problems faced by banks in the market and reduce the severity of market disruptions.Consequently, the RBI as part and parcel of the financial sector deregulation, attempted toenhance the transparency of the annual reports of Indian banks by, among other things,introducing stricter income recognition and asset classification rules, enhancing the capitaladequacy norms, and by requiring a number of additional disclosures sought by investors tomake better cash flow and risk assessments. [Source : RBI Website] BAS EL – II ACC O R D Bank capital framework sponsored by the world's central banks designed to promoteuniformity, make regulatory capital more risk sensitive, and promote enhanced risk  management among large, internationally active banking organizations. The InternationalCapital Accord, as it is called, will be fully effective by January 2008 for banks active ininternational markets. Other banks can choose to â€Å"opt in,† or they can continue to follow theminimum capital guidelines in the original Basel Accord, finalized in 1988.The revisedaccord (Basel II) completely overhauls the 1988 Basel Accord and is based on threemutually supporting concepts, or  Ã¢â‚¬Å"pillars,† of capital adequacy. The first of these pillars is anexplicitly defined regulatory capital requirement, a minimum capital-to-asset ratio equal toat least 8% of risk-weighted assets. Second, bank supervisory agencies, such as theComptroller of the Currency, have authority to adjust capital levels for individual banksabove the 9% minimum when necessary. The third supporting pillar calls upon marketdiscipline to supplement reviews by banking agencies. Basel II is the second of the Basel Accords, which are recommendations on banking lawsand regulations issued by the Basel Committee on Banking Supervision.The purpose of  Basel II, which was initially published in June 2004, is to create an international standardthat banking regulators can use when creating regulations about how much capital banksneed to put aside to guard against the types of financial and operational risks banks face. Advocat es of Basel II believe that such an international standard can help protect theinternational financial system from the types of problems that might arise should a major  Ã‚  bank or a  series of banks collapse. In practice, Basel II attempts to accomplish this by settingup rigorous risk and capital management requirements designed to ensure that a bank holdscapital reserves appropriate to the risk the bank exposes itself to through its lending andinvestment practices. [Source : RBI Website] The final version aims at: 1.Ensuring that capital allocation is more risk sensitive;2. Separating operational risk from credit risk, and quantifying both;3. Attempting to align economic and regulatory capital more closely to reduce thescope for regulatory arbitrage. While the final accord has largely addressed the regulatory arbitrage issue, there are stillareas where regulatory capital requirements will diverge from the economic. Basel II has largely left unchanged the question of how to ac tually define bank capital,which diverges from accounting equity in important respects. The Basel I definition, asmodified up to the present, remains in place. The Accord in operation Basel II uses a â€Å"three pillars† concept y inimum capital requirements (addressing risk), y supervisory review and y market discipline  ± to promote greater stability in the financial system. The Basel I accord dealt with only parts of each of these pillars. For example : with respectto the first Basel II pillar, only one risk, credit risk, was dealt with in a simple manner whilemarket risk was an afterthought; operational risk was not  dealt with at all. The First Pillar The first pillar deals with maintenance of regulatory capital calculated for three major  components of risk that a bank faces : credit risk, operational risk and market risk. Other  risks are not considered fully quantifiable at this stage.The credit risk component can be calculated in three different ways of varyi ng degree of  sophistication, namely standardized approach, Foundation IRB and Advanced IRB. IRBstands for â€Å"Internal Rating-Based Approach†. For operational risk, there are three different approaches – basic indicator approach,standardized approach and advanced measurement approach. For market risk the preferredapproach is VaR (value at  risk). As the Basel II recommendations are phased in by the banking industry it will move fromstandardized requirements to more refined and specific requirements that have beendeveloped for each risk category by each individual bank. The upside for banks that dodevelop their own bespoke risk measurement systems is that they will be rewarded with  potentially lower risk capital requirements.In future there will be closer links between theconcepts of economic profit and regulatory capital. Credit Risk can be calculated by using one of three approaches : 1. Standardized Approach2. Foundation IRB (Internal Ratings Based) Approac h3. Advanced IRB ApproachThe standardized approach sets out specific risk weights for certain types of credit risk. Thestandard risk weight categories are used under Basel 1 and are 0% for short termgovernment bonds, 20% for exposures to OECD Banks, 50% for residential mortgages and 100% weighting on commercial loans. A new 150% rating comes in for borrowers with poor  credit ratings. The minimum capital requirement (the percentage of risk weighted assets to  be held as capital) has remains at  8%.For those Banks that decide to adopt the standardized ratings approach they will be forced torely on the ratings generated by external agencies. Certain Banks are developing the IRBapproach as a result. The Second Pillar The second pillar deals with the regulatory response to the first pillar, giving regulatorsmuch improved ‘tools' over those available to them under Basel I. It also provides aframework for dealing with all the other risks a bank may face, such as systemic risk,   pension risk, concentration risk, strategic risk, reputation risk, liquidity risk and legal risk,which the accord combines under the title of residual risk. It gives banks a power to reviewtheir risk management  system. The Third Pillar The third pillar greatly increases the disclosures that the bank must make.This is designedto allow the market to have a better picture of the overall risk position of the bank and toallow the counterparties of the bank to price and deal appropriately. The new Basel Accordhas its foundation on three mutually reinforcing pillars that allow banks and bank  supervisors to evaluate properly the various risks that banks face and realign regulatorycapital more closely with underlying risks. The first pillar is compatible with the credit risk,market risk and operational risk. The regulatory capital will be focused on these three risks. The second pillar gives the bank responsibility to exercise the best ways to manage the risk  specific to that ba nk. Concurrently, it also casts responsibility on the supervisors to reviewand validate banks ¶ risk measurement models.The third pillar on market discipline is usedto leverage the influence that other market players can bring. This is aimed at improving thetransparency in banks and  improves reporting. State Bank of India is the largest banking and financial services company in India, by almostevery parameter – revenues, profits, assets, market capitalization, etc. The bank traces itsancestry to British India, through the Imperial Bank of India, to the founding in 1806 of theBank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. TheGovernment of India nationalized the Imperial Bank of India in 1955, with the ReserveBank of India taking a 60% stake, and renamed it the State Bank of India.In 2008, theGovernment took over the  stake held by the Reserve Bank of India. SBI provides a range of banking products through its vast network of branches in India andoverseas, including products aimed at NRIs. The State Bank Group, with over 16,000  branches, has the largest banking branch network in India. With an asset base of $260 billionand $195 billion in deposits, it is a regional banking behemoth. It has a market share amongIndian commercial banks of about 20% in deposits and advances, and SBI accounts for  almost one-fifth of the nation's loans. The total assets of the Bank increased by 9. 23% fromRs. 9,64,432. 08 crores at the end of March 2009 to Rs. 10,53,413. 3 crores as at end March2010. The Bank ¶s aggregate liabilities (excluding capital and reserves) rose by 8. 93% fromRs. 9,06,484. 38 crores on 31st March 2009 to Rs. 9,87,464. 53 crores on 31st March 2010. K ey performance I ndicators [Source : Annual Report, 2009-10]SBI has tried to reduce over-staffing by computerizing operations and â€Å"golden handshake†schemes that led to a flight of its best and brightest managers. These managers took theretiremen t allowances and then went on to become senior managers in new private sector ICICI Bank (formerly Industrial Credit and Investment Corporation of India) is a major  Ã‚  banking and financial services organization in India.It is the 4th largest bank in India andthe largest private sector bank in India by market capitalization. The bank also has a network  of 1,700+ branches (as on 31 March 2010) and about 4,721 ATMs in India and presence in19 countries, as well as some 24 million customers (at the end of July 2007). ICICI Bank isalso the largest issuer of credit cards in India. ICICI Bank's shares are listed on the stock  exchanges at Kolkata and Vadodara, Mumbai and the National Stock Exchange of IndiaLimited; its ADRs trade on the New  York Stock Exchange (NYSE). [Source : Annual Report, 2009-10]The Bank is expanding in overseas markets and has the largest international balance sheetamong Indian banks.ICICI Bank now has wholly-owned subsidiaries, branches andrepresentative s offices in 19 countries, including an offshore unit in Mumbai. This includeswholly owned subsidiaries in Canada, Russia and the UK (the subsidiary through which theHi SAVE savings brand is operated), offshore banking units in Bahrain and Singapore, anadvisory branch in Dubai, branches in Belgium, Hong Kong and Sri Lanka, andrepresentative offices in Bangladesh, China, Malaysia, Indonesia, South Africa, Thailand,the United Arab Emirates and USA. Overseas, the Bank is targeting the NRI (Non- ResidentIndian) population in particular. History HDFC Bank was incorporated in the year of 1994 by Housing Development FinanceCorporation Limited (HDFC), India's premier housing finance company.It was among thefirst companies to receive an ‘in principle' approval from the Reserve Bank of India (RBI) toset up a bank in the private sector. The Bank commenced its operations as a ScheduledCommercial Bank in January 1995 with the help of RBI's liberalization policies. In a milestone transactio n in the Indian banking industry, Times Bank Limited (promoted byBennett, Coleman & Co. / Times Group) was merged with HDFC Bank Ltd. , in 2000. Thiswas the first merger of two private banks in India. As per the scheme of amalgamationapproved by the shareholders of both banks and the Reserve Bank of India, shareholders of  Times Bank received 1  share of HDFC Bank for every 5. 75  shares of Times Bank. In 2008 HDFC Bank acquired Centurion Bank of Pun j a b aking its total branches to morethan 1,000. The amalgamated bank emerged with a strong deposit base of around Rs. 1,22,000 crore and net advances of around Rs. 89,000 crore. The balance sheet size of thecombined entity is over Rs. 1,63,000 crore. The amalgamation added significant value toHDFC Bank in terms of increased branch network, geographic reach, and customer base,and a bigger pool of skilled manpower   Capital Adequacy [Source : Annual Report, 2009-10] The Industrial Development Bank of India Limited commonly known by its acronym IDBIis one of India's leading public sector banks and 4th largest Bank in overall ratings. RBIcategorized IDBI as an â€Å"other public sector bank†.It was established in 1964 by an Act of  Parliament to provide credit and other facilities for the development of the fledgling Indianindustry. It is currently 10th largest development bank in the world in terms of reach with1210 ATMs, 720 branches and 486 centers. Some of the institutions built by IDBI are the National Stock Exchange of India (NSE), the  National Securities Depository Services Ltd (NSDL), the Stock Holding Corporation of  India (SHCIL), the Credit Analysis ; Research Ltd, the Export-Import Bank of India (EximBank), the Small Industries Development bank of India(SIDBI), the EntrepreneurshipDevelopment Institute of India, and IDBI BANK, which today is owned by the IndianGovernment, though for a brief period it was a private scheduled bank.The IndustrialDevelopment Bank of India (IDBI) was est ablished on July 1, 1964 under an Act of  Parliament as a wholly owned subsidiary of the Reserve Bank of India. In 16 February 1976,the ownership of IDBI was transferred to the Government of India and it was made the  principal financial institution for coordinating the activities of institutions engaged infinancing, promoting and developing industry in the country. Although Governmentshareholding in the Bank came down below 100% following IDBI ¶s public issue in July1995, the former continues to  be the major shareholder (current shareholding : 52. 3%). During the four decades of its existence, IDBI has been instrumental not only in establishinga well-developed, diversified and efficient ndustrial and institutional structure but alsoadding a qualitative dimension to the process of industrial development in the country. IDBIhas played a pioneering role in fulfilling its mission of promoting industrial growth throughfinancing of medium and long-term projects, in consonance wi th national plans and  priorities. Over the years, IDBI has enlarged its basket of products and services, coveringalmost the entire spectrum of industrial activities, including manufacturing and services. IDBI provides financial assistance, both in rupee and foreign currencies, for green-field  projects as also for expansion, modernization and diversification purposes.In the wake of  financial sector reforms unveiled by the government since 1992, IDBI evolved an array of  fund and fee-based services with a view to providing an integrated solution to meet theentire demand of financial and corporate advisory requirements of its clients Axis Bank, formally UTI Bank, is a financial services firm that had begun operations in1994, after the Government of India allowed new private banks to be established. The Bank  was promoted jointly by the Administrator of the Specified Undertaking of the Unit Trust of  India (UTI-I), Life Insurance Corporation of India (LIC), General Insura nce CorporationLtd. , National Insurance Company Ltd. The New India Assurance Company, The OrientalInsurance Corporation and United India Insurance Company UTI-I holds a special positionin the Indian capital markets and has promoted many leading financial institutions in thecountry. The bank changed its name to Axis Bank in April 2007 to avoid confusion withother unrelated entities with similar name. After the Retirement of Mr. P. J. Nayak, Shikha Sharma was named as the bank's managingdirector and CEO on 20 April 2009. As on the year ended March 31, 2009 the Bank had atotal income of Rs 13,745. 04 crore (US$ 2. 93 billion) and a net profit of Rs. 1,812. 93 crore(US$ 386. 15 million). On February 24, 2010, Axis Bank announced the launch of ‘AXISCALL ; PAY on atom', a unique mobile payments solution using Axis Bank debit cards.Axis Bank is the first bank in the country to provide a secure debit card-based paymentservice over IVR. Axis Bank is one of the Big Four Banks of India, along with ICICI Bank,State Bank of India and HDFC Bank Branch Network At the end of March 2009, the Bank  has a very wide network of more than 835 branch offices and Extension Counters. Totalnumber of ATMs went up to 3595. The Bank has loans now (as of June 2007) account for asmuch as 70 per cent of the bank ¶s total loan book of Rs 2,00,000 crore. In the case of AxisBank, retail loans have declined from 30 per cent of the total loan book of Rs 25,800 crorein June 2006 to around 23 per cent of loan book of Rs. 41,280 crore (as of June 2007).Evenover a longer period,  while the overall asset growth for  Axis Bank has been quite high and has matched that of the other banks, retail exposuresgrew at a slower pace. The bank, though, appears to have insulated such pressures. Interestmargins, while they have declined from the 3. 15 per cent seen in 2003-04, are still hoveringclose to the 3 per cent mark. Axis Bank, formally UTI Bank, is a financial services firm that had begun op erations in1994, after the Government of India allowed new private banks to be established. The Bank  was promoted jointly by the Administrator of the Specified Undertaking of the Unit Trust of  India (UTI-I), Life Insurance Corporation of India (LIC), General Insurance CorporationLtd. , National Insurance Company Ltd. The New India Assurance Company, The OrientalInsurance Corporation and United India Insurance Company UTI-I holds a special positionin the Indian capital markets and has promoted many leading financial institutions in thecountry. The bank changed its name to Axis Bank in April 2007 to avoid confusion withother unrelated entities with similar name. After the Retirement of Mr. P. J. Nayak, Shikha Sharma was named as the bank's managingdirector and CEO on 20 April 2009. As on the year ended March 31, 2009 the Bank had atotal income of Rs 13,745. 04 crore (US$ 2. 93 billion) and a net profit of Rs. 1,812. 93 crore(US$ 386. 15 million). On February 24, 2010, Axis Bank announced the launch of ‘AXISCALL & PAY on atom', a unique mobile payments solution using Axis Bank debit cards.Axis Bank is the first bank in the country to provide a secure debit card-based paymentservice over IVR. Axis Bank is one of the Big Four Banks of India, along with ICICI Bank,State Bank of India and HDFC Bank Branch Network At the end of March 2009, the Bank  has a very wide network of more than 835 branch offices and Extension Counters. Totalnumber of ATMs went up to 3595. The Bank has loans now (as of June 2007) account for asmuch as 70 per cent of the bank ¶s total loan book of Rs 2,00,000 crore. In the case of AxisBank, retail loans have declined from 30 per cent of the total loan book of Rs 25,800 crorein June 2006 to around 23 per cent of loan book of Rs. 41,280 crore (as of June 2007).Evenover a longer period,  while the overall asset growth for  Axis Bank has been quite high and has matched that of the other banks, retail exposuresgrew at a slower pa ce. The bank, though, appears to have insulated such pressures. Interestmargins, while they have declined from the 3. 15 per cent seen in 2003-04, are still hoveringclose to the 3 per cent mark. Reserve Bank of India prescribes Banks to maintain a minimum Capital to risk weightedAssets Ratio (CRAR) of 9 percent with regard to credit risk, market risk and operational risk  on an ongoing basis, as against 8 percent prescribed in Basel Documents. Capital adequacyratio of the ICICI Bank was well above the industry average of 13. 97% t. CAR of HDFC  bank is below the ratio of ICICI bank.HDFC Bank ¶s total Capital Adequacy stood at15. 26% as of March 31, 2010. The Bank adopted the Basel 2 framework as of March 31,2009 and the CAR computed as per Basel 2 guidelines stands higher against the regulatoryminimum of 9. 0%. HDFC CAR is gradually increased over the last 5 year and the capital adequacy ratio of  Axis bank is the increasing by every 2 year. SBI has maintained its CAR around in the rangeof 11 % to 14 %. But IDBI should reconsider their business as its CAR is falling YOY (year  on year). Higher the ratio the banks are in a comfortable position to absorb losses. So ICICIand HDFC are the strong one to absorb their loses. Gross N PA:Gross NPAs are the sum total of all loan assets that are classified as NPAs as per RBIguidelines as on Balance Sheet date. Gross NPA reflects the quality of the loans made by  banks. It consists of all the non standard  assets like as substandard, doubtful, and loss assets. It can be calculated  with the help of following ratio : SBI maintained its GNPA to 3% which is very good sign of performances as SBI is thelargest lender in INDIA. HDFC ¶s GNPA is quite good as it is low with compared to ICICIand SBI but in 2008-09 GNPA rises. The reason may be economic crises. AXIS bank haslowest GNPA which shown its management ability. ICICI has the highest GNPA in bankingindustry and rising YOY (year on  year). N et N PA:Net NPAs are those type of NPAs in which the bank has deducted the provision regarding  NPAs. Net NPA shows the actual burden of banks. Since in India, bank balance sheetscontain a huge amount of NPAs and the process of recovery and write off of loans is verytime consuming, the provisions the banks have to make against the NPAs according to thecentral bank guidelines, are quite significant. That is why the difference between gross andnet NPA is quite high. It can be calculated by following : AXIS Bank has least Net NPA and ICICI has highest NNPA among group. HDFC shown itsmanagement quality as it maintained its NNPA YOY (year on year). SBI has to keep NNPA  below. IDBI has successful to control NNPA YOY.

Editing Essay Online

Editing Essay Online Editing Essay Online Editing Essay Online Is Necessary One of the main problems students face in their essays is abundance of mistakes in their essay writing. Due to this fact, a lot of brilliant works receive rather low grades, as grammar mistakes are those to spoil the whole impression of work and to irritate professors. That is why if you do not want to irritate your professor, better proofread your essay carefully, or if you are not sure whether you are able to correct all the existing mistakes, better make use of editing essay online: Editing Is the Process of Reading When you read your essay on your own trying to edit it, as a rule, you do not see all the mistakes you have made. Of course, you can edit your essay in a rather good way, however, still, it is almost impossible to edit essay in a perfect way, if not being a professional editor, of course. That is why it is recommended to appeal to editing essays online in order to ensure the absence of mistakes in your writing. Editing essay online is always simple and fast procedure. You give your essay to one of our professional editors, make deal about the deadline, and wait for a little. Our service differs from other services of editing essay online as we do not only correct all the existing grammar mistakes and slips of the tongue you make but also we revise the structure of your essay if it needs to be revised and arrange your writing according to all the existing requirements and demands from it. Eliminate Poor Paragraphs! We rewrite poor paragraphs of your essay and give you useful pieces of advice for future in order you not to repeat your mistakes once again. However, despite the fact that we offer the highest level of quality of editing essay online, we do not charge an exorbitant price for our servicing as we understand that students could hardly afford to cover the expenses they have, that is why we offer affordable pricing policy to our customers. You see editing essay online is what you need in order to win the highest grade for essay writing. Visit our site, speak to our representatives and you will understand that we are a top quality custom writing company, which takes care of its customers and works for your sake. Do not endanger your grade, edit your essay and get the grade you really deserve. Do not let some mistakes spoil your labour and mood. Read more: Editing English Paper APA Paper Format Stress Management Essay Law School Personal Statement Free Essay Samples

To Kill A Mocking Bird-Prejudice Essays - Discrimination, Abuse

To Kill A Mocking Bird-Prejudice Essays - Discrimination, Abuse To Kill A Mocking Bird-Prejudice To Kill A Mockingbird Prejudice has caused the pain and suffering of others for many centuries. Some examples of this include the Holocaust and slavery in the United States. In to Kill a Mockingbird, by Harper Lee racism was the cause of much agony to the blacks of a segregated South. Along with blacks, other groups of people are judged unfairly just because of their difference from others. The prejudice and bigotry of society causes the victimization of people with differences. Some who are discriminated against are those who are born differently than the majority. One person that is treated unfairly is Calpurnia, as you can see when Aunt Alexandra tried to get Atticus to fire Calpurnia, because in her eyes, Calpurnia wasn't a good enough female role model (p.136). This is a prejudice action, because Calpurnia is as good as a role model as Aunt Alexandra, if not better. Aunt Alexandra is a bigot and doesn't see the character of Calpurnia, just the color of her skin. Another person who is treated like an inferior is Scout by her teacher, because she knew how to read. She discovered that I was literate and looked at me with more than faint distaste. (p.17). Scout is treated like it is her fault that she knows more than the average child did. She learned earlier than others so she gets punished unjustly. Tom Robinson is also one who is discriminated by a biased community. Tom is found guilty by the jury in his case against the Ewells (p.211). The guilty verdict is a direct result of a racist community. Tom was never given a fair chance in the trial, even though that the evidence was proving him innocent. People that are born differently often get mistreated and are discriminated against. Another group that is treated poorly in the society based on bigotry, are the people who have chosen to be different. One who chose to be different is Dolphus Raymond. He pretended to be drunk so no one gave him any trouble on the way that he lived his life (p.200). The way a person lives should be there own personal business. He has the right to live differently than others if he feels that is the way he wants to live. Another person that lives differently is Boo Radley. Boo stayed inside his house for a number of years without ever coming out to interact with others. He didn't want attention that would come from the rumors that were said about him. Stories were made up about him and he felt it was best for him to stay inside. The people who chose to be different took a risk of being made outcasts of the majority of the society. The final group that was made to feel different was the group that defended and protected the minorities and the wrongfully treated people. Atticus was a good example of one who defended the different by defending Tom Robinson in his case. Atticus had integrity that gave him the strength to endure the ridicule that arose from his decision to defend a black man in a segregated area. Atticus was threatened and his children were treated poorly by their peers, because he had the courage to stand up for the oppressed. Sheriff Tate defends the different when he says, I never heard tell that it's against the law for a citizen t do his utmost to prevent a crime from being committed, which is exactly what he did, but maybe you'll say it's my duty to tell the town all about it and not hush it up. (p.276). Sheriff Tate is trying to protect Boo from the attention that could frighten him. The sheriff is doing the right thing by hiding the truth from the community. By defending the different, people take a chance of being known as strange or inferiors to the rest of the people that they are around. Throughout the story, people that are unlike the majority, get hurt. They are given obstacles that they have to overcome in order to survive. Some people in the world can survive these obstacles, and there are some that just give up. By fighting for your rights, people start to realize that character is the important attribute to a person. To Kill a Mockingbird, by Harper Lee showed me that the people with differences are not always doing things the wrong way. It is the majority that may be going at it all wrong.

101 Time Management Strategies For Marketers - CoSchedule

101 Time Management Strategies For Marketers As content marketers and bloggers, we all feel like we could use some better time management strategies from time to time. In fact, one of the biggest takeaways we learned from our 2016 Better Marketer Survey  is that our readers are short on time. As we dug deeper into the data, it wasn’t hard to see why. Most of our audience is working alone or with a small team, and usually without all the resources required to create all the content they need. The majority of respondents are also fairly new to content marketing and blogging, with 63% reporting they have two years of experience or less. Put that all together, and it sounds like a recipe for burnout. If you’re feeling overwhelmed, however, there are ways you can get in control to tilt the odds for success back into your favor. By optimizing your workflow, leveraging the right tools, and learning to focus on the tasks where you can make the most impact, you can make your life as a content marketer less stressful and more satisfying while increasing your productivity. Here are 101 marketing time management strategies to help you better manage your time, work more efficiently, and get back in control of your content. Table Of Contents Content Strategy Ideation Organization And Project Management Team Communication Content Writing Graphic Design Search Engine Optimization Social Media Email Content Calendar Management Analytics And Reporting General Productivity 3 Content Strategy Time-Saving Tips 1. Think MVP (Minimal Viable Product) When planning your content strategy with limited time, ask â€Å"what is the minimum amount of resources and effort each project will take to be successful?† This isn’t the same as cutting corners, however. Think of this process as a way to mentally cut your content down to what’s most essential, and leave anything that isn’t critical to your success on the cutting room floor. 2. Refresh And Republish Instead of creating completely fresh content every time you sit down to write a post, consider identifying older content you can potentially update and refresh. To do this, use Google Analytics to find your top performing posts. Then, search the primary keyword for each post and see what content is currently ranking on the first page of Google. If those posts have newer or more relevant content than your own post, double down on revising your posts to be even better than theirs. Then, republish it as a new post, or an updated version of the original. This strategy can help you save time by leveraging what you already have, rather than having to come up with something new from scratch. Plus, it can also be a good way to get more mileage out of posts you know already resonate with your audience. Recommended Reading:  How To Breathe New Life Into Old Blog Posts 3. Create A Quick Reference List Of Content Curation Sources Identify influential sources in your niche you can lean on for content curation and put them into a list you can refer back to later. That way, you won’t have to hunt for sources later. Back To Table Of Contents 15 Content Ideation Time Management Strategies 4. Use Google Trends Use Google Trends  to quickly gauge searcher interest in a given topic. It’s a free and easy-to-use tool that shows how frequently a given topic is getting searched, which is extremely helpful for validating the worth of your content ideas. 5. Find Top-Performing Content Fast With BuzzSumo If you’re ready to move up to a paid tool, BuzzSumo  is a handy tool for surfacing the top performing content on a given topic. It can help you not only determine what’s popular, but also show you what kind of competition you’re up against. 6. Don't Forget About Google's Keyword Planner While it’s primarily a PPC tool, Google’s own Keyword Planner  needs to be mentioned here as well. It’s useful for both generating keyword ideas as well as estimating the potential search traffic they could deliver to your post. 7. Leverage Your Competition Manually review the most recent posts from your top competitors blogs and websites. Look at what they’re doing to get an idea of what topics are hot at the moment. Keep your eyes open for new information that you could add to a post, that no one else has (yet). 8. Try Portent's Content Idea Generator Portent’s Content Idea Generator  is good for at least getting the gears in your head turning on ideas you can use quickly. Hubspot’s Blog Topic Generator  is similar and worth checking out, too. 9. Use Feedly Use Feedly  to quickly keep tabs on recent news and blog posts. It's similar to what Google Reader used to be, pulling the latest posts from different sources you find in one place for easy reading. 10. Take Notes And Keep Them Organized Save time trying to find where you’ve kept all your inspiration filled notes with a tool like Evernote. Alternately, something like Google Keep  or any note taking app can also work well. 11. Set Time Limits On Brainstorming Sessions Brainstorm (with a time limit). Have your team write down as many ideas as they can think of in five minutes. Put them on notecards and then post them on a board. Go through them all and rank each idea a 1 (so-so) to 3 (brilliant). Discard anything that is not a unanimous 3. This process can easily yield dozens of strong ideas in under an hour. Recommended Reading:  4 Simple Brainstorming Techniques That Will Help You Write Killer Content 12. Use A Voice Recorder Or Mobile App To Take Notes On The Go Inspiration can come anywhere and at any time, so make a habit of recording your ideas whenever they pop into your head. Use a voice recorder or note-taking app on your phone, or consider carrying around a notepad in your work bag. 13. Subscribe To E-newsletters In Your Niche Or Industry Subscribe to quality industry email newsletters. Following thought leaders in your niche is a lot easier when you’re getting their latest information sent directly to your inbox. 14. Use Internal Search Terms To Generate Content Ideas Use internal site search analytics  to see what people are looking for on your site or blog. This can be a fast way to identify gaps in your content (if people are looking to you for something you don’t have content for, then you know it’s time to get to work). 15. Use Downtime To Research On Your Phone Turn wasted time into productive time by using your phone to research while waiting in shopping lines, riding public transit, or anywhere else you find yourself waiting (and when and where it's acceptable to use your phone). Smarter #Marketer Tip: Waiting in line at the store? Use that time to research on your phone....16. Audiobooks Are Your Friend Listen to audiobooks related to your professional development on your commute instead of music or the radio. You'll pick up information you can then put to use when you get to the office. 17. Use Google Analytics To  Identify Past Success Use data from Google Analytics to predict success and avoid wasted time on things that won’t work. For example, if you notice that several posts on a given topic aren’t performing well, consider whether the issue is the quality of your content, or the possibility that the topic simply doesn’t have an audience. If you know certain topics resonate with your readers and you have the data to prove it create more content like that. 18. Create An Ongoing Idea List Maintain a list of content ideas you can pull from in the future. Keep it in a Google Doc, spreadsheet, or Evernote doc that your entire team can access and edit. Then when it comes time to write a post, you can just pull an idea off the list instead of wasting time wondering what to write about. Back To Table Of Contents 6 Organization And Project Management  Strategies 19. Use A Shared Meeting Calendar Use a shared Google Calendar to make sure everyone on your team has visibility on meeting times, events, out-of-office requests, and so forth. 20. Use Consistent File Names Establish a consistent naming convention for saving files. This can make finding things later much easier. Recommended Reading:  How To Rock A Content Development Process That Will Save You Tons Of Time 21. Take On  Projects In Logical Order Group similar projects together and knock them out all in a row as sprints. For example, list all the steps required to write one blog post. Then, run through them starting at the top. 22. Follow  The 80/20 Principle Also known as the Pareto Principle, the 80/20 principle  is the idea that 80% of your output will come from 20% of your effort. To leverage this for your work, start by eliminating or delegating menial non-essential tasks that don't directly impact results. The more you focus on things that directly affect productivity, you'll get more done with less effort. 23. Be Realistic About What You Can Do Prioritize projects and only take on the ones that are within the scope of your resources and stand a reasonable shot at success. 24. Set Goals For Every Task Set progress goals for every project and stick to them.  They'll keep you focused on your end result and help you build discipline. Back To Table Of Contents 7 Team Communication  Strategies 25.  Use A Messaging App Instead Of Email For inner-office communication, a tool like HipChat  or Slack  can improve efficiency while keeping your email inbox uncluttered. 26. Use Screenshots For Design Edits A picture is worth a thousand words. If you need to suggest design edits, sometimes sending screenshots is the best way to go. Use a tool like Skitch, SnagIt, iAt Home, or Awesome Screenshot  to take screen captures with notes and arrows. 27. Know When To Delegate If someone else can do a task 80% as well as you can, and you don’t have time to do it yourself, consider handing it off to another team member (so long as they do have time). 28. Know When To Ask For Help Ask for help before you’ve wasted too much time trying to figure something out on your own. There’s something to be said for showing initiative and trying to learn things yourself, but if you know that someone on your team already has that knowledge, just ask. You’ll get more done that way. Strategy #28: Save time by asking for help sooner. #ContentMarketing29. Keep Shared Files Easily Accessible Make sure everyone knows where to access files and documents your team will use. This sounds basic, but if you’re using multiple resources to store files, you’d be surprised how easy it is for things to get out of control if your team doesn’t know what goes where. 30. Establish Team Workflows Establish consistent workflows to save time wondering what each person should be doing at each step of a project. To do this: Get your team together to create a list of every step required from each team member to complete the project (be sure you do this before doing any of the actual work itself). Put those steps in order. Identify who will be responsible for each piece. Have each person notify the next team member when it's ready to hand off. By the time you're done, you'll have an effective workflow template you can follow on similar projects in the future, refining the process as you discover what works and what doesn't. 31. Set Up Regular Times To Check In Schedule regular touch-point meetings and stick to them. This removes excuses for not having time to communicate, or for team members not sharing vital information. Back To Table Of Contents 17 Content Writing Productivity Strategies 32. Use Outlines Create an outline  for every blog post. Knowing the structure of your post will help you write it quicker and create more focused content. 33. If You're Overwhelmed, Do Better At Doing Less Think less is more. If you’re feeling overwhelmed trying to create too many posts, try putting more effort into fewer posts. Sometimes having greater focus on fewer things can help rein in some of that stress. Recommended Reading:  How To Blog With As Little As Possible 34.  Avoid Pursuing Perfection Don’t cut corners on quality, but do avoid chasing perfection. There will always be things you want to change, so focus on shipping and know when to call your work finished. 35. Edit Your Own Work First Edit your own work first before passing anything off to a proofreader or copy editor. It’ll help save them time and better endear you to staying on their good side. 36. Write Big Posts One Piece At A Time Break down long-form pieces into smaller chunks and work on one section at a time. This can help you work faster by focusing on smaller portions of the overall post, instead of getting overwhelmed by the full scope of your idea. 37. Set Deadlines Deadlines. Set them  and meet them. Don’t let your work stretch to fill an excessive amount of time. 38. Hire Help Don’t have time to do everything yourself? Consider hiring freelance help if you can. 101 tips to save time with #blogging and #contentmarketing (spoiler alert: use ).39. Turn Coworkers Into Blog Contributors Leverage internal experts within your organization. If you’re working in-house with a business, get buy-in from other team members with unique expertise who may be able to help contribute blog posts. 40. Schedule Writing Work Blocks Block off focused and uninterrupted time to write. Distraction-free word processors like FocusWriter  or WriteBox  can be useful if you really want to get serious about eliminating distractions. This way, you can get more writing done quickly without getting sidetracked. 41. Forget Word Counts Don’t waste time worrying about hitting specified word counts (unless you’re working with an editor or manager who is adamant about a specific word count). The right length for your post is however long it takes to write a full and comprehensive piece of content on your topic. Usually, that’s going to mean a substantial length (1,500+ words), but not always. 42. Consider User-Generated Content Consider accepting unsolicited reader submissions or create a section where readers can write their own blog posts on your blog (this will not necessarily work nor be appropriate for every blog). Moz’s YouMoz Blog  is a great example of how to do this well. 43. Solicit Guest Bloggers Having some extra help from reputable contributors can make it much easier to get authoritative content on your blog with less effort from your own team. 44. Use Hemingway Want to know if your writing sucks? The Hemingway app  will let you know, and help you identify ways you can make your writing clearer. It’s available for both Mac and PC, and is worth its $10 price tag, especially if you don’t have an actual copy editor or proofreader. 45. Use Use a tool like to schedule your blog publishing and associated social media content ahead of time. Is this a shameless plug? Absolutely, but there's a reason why we build our product. (If you haven't tried it yet, get your 14-day free trial here.) 46. Write Headlines With The  Headline Analyzer Use the  Headline Analyzer  to quickly write and score headlines. This makes it easy to write lots of headlines fast and choose the best option. 47. Use The Skyscraper Technique Use the skyscraper technique  to quickly identify top performing competitor content you can improve on. This simply involves looking at the top-ranking content on your given topic or keyword, identifying what those posts are missing, and then making sure your own content fills those gaps. That could mean including information those other posts are missing, or different types of content they lack (for example, embedded videos or infographics). 48. Repurpose, Repurpose, Repurpose Repurpose content from your blog posts for other content. Borrow blog post copy for your email newsletter. Turn several related blog posts into an ebook. These are just a couple ideas, but if you need more inspiration, here's over 50 ideas for repurposing content. Back To Table Of Contents 5  Graphic Design  Time Management  Strategies 49. No Designer?  No Problem. Don’t have access to Photoshop? Or, does your team lack a dedicated graphic designer? In either case, tools like Canva, Infogr.am, and Piktochart make it easy to create high-quality images and infographics you can use for your content. While the above tools are definitely useful, sometimes you really need dedicated design and image manipulation software to get the job done right. If cost is the only thing stopping you from investing in Photoshop, consider GIMP. It’s a free and open-source alternative to Photoshop that, while lacking certain features, still packs an incredible amount of power. This isn't necessarily a time-saving tool, per se, but if you've been putting off creating graphics because you don't have budget for the right tool, now is the time to stop wasting time with excuses and start getting down to work (the payoffs for having quality graphics are worth it in the long run). 50. Reuse Graphics Don’t forget that one graphic can potentially be used multiple places. For example, try remaking blog header graphics in multiple sizes for email newsletters and social media posts.  If you have certain graphic elements you use frequently, consider storing them all in one place where they can easily be accessed. 51. Use Keyboard Shortcuts Learn Photoshop keyboard shortcuts. The time you spend internalizing them into your workflow will save you tons of time in the long run. 52. Use Image Templates Create your own Photoshop templates for common image sizes and formats you know you’ll be using often, or find downloadable templates online (a quick Google search should yield plenty of options). 53. Give Your Designer Direction  Before They Start Working If you're a writer or blogger working with a graphic designer, give them an idea of what you want for graphics before they get started. This can help avoid confusion and having to redo images when the results don't match expectations. For graphic designers, this same advice applies in reverse. Ask your writer what they want up front. Even if they can't quite communicate exactly what they're looking for, opening up the discussion early in the collaborative process can be an immense time saver later on. Back To Table Of Contents 4 Search Engine Optimization Time Management  Strategies 54. Use Yoast If you’re using WordPress, use the Yoast plugin  to quickly check your on-page SEO and make sure your title tags and meta descriptions are well written. 55. Get An SEO Platform If you have a budget, use a dedicated SEO software platform to manage your search engine optimization efforts. Moz  and Raven Tools  are both affordably priced and fully featured options that will cover most of your bases. Backlink tools like Majestic  and Ahrefs  are well worth a look as well. The benefits to using these services are that they keep your data stored in one place and make performing SEO tasks much quicker, easier, and more effective. 56. Leverage Local SEO Tools To Quickly Clean Up Citations If local SEO  has any relevance to your business (meaning, if you have a brick-and-mortar location and rely on search to drive foot traffic), Whitespark  and Moz Local  are two great tools to help speed up a lot of menial tasks that can otherwise eat up valuable hours of your time. 57. Use Screaming Frog Fixing broken links on your blog or website can be time-consuming. However, it helps to pay attention to them and get them fixed as an ongoing practice, rather than letting them accumulate and having to fix a ton of them all at once. Use Screaming Frog  to quickly crawl your site and identify URLs that return a 404 status code. Back To Table Of Contents 15 Social Media Time Management Strategies 58. Use One Tool To Manage All Your Accounts Manage all your social media accounts with one tool. , Hootsuite, and Buffer  are all valid options for this task. By logging into one dashboard instead of multiple sign-in pages each time you want to schedule social media updates, you can easily save an enormous amount of time. 59. Automate Social Media Publishing Automate (some) of your social media content. You’ll want to continue adding a personal touch to your social media posts, but filling your social queues with pre-scheduled content can help you maintain a consistent presence with less active effort and attention. 60. If Something Isn't Working, Stop Get rid of platforms that aren’t working. Focus more effort on fewer channels. You’ll likely be less stressed and more successful. 61. Use IFTTT To Automate Social Media Tasks Use IFTTT  to automate recurring tasks. It's a cool tool that uses "recipes" to automate processes (and has applications that go way beyond just social media). Here's a good video tutorial on how it works: 62. Use Rapportive To Gather Social Profiles From Emails Get an email from someone and want quick access to their social profiles? Use Rapportive. It's quicker and easier than manually searching for their Twitter handle. 63. Use Tomoson To Find Influencers On Social Media Use Tomoson  to find influencers and brands who might be interested in your product or service. Rather than manually searching for experts on a given topic, it can make finding prospects for this kind of social media outreach quicker and more effective. 64. Avoid Social Media When You're Supposed To Be Doing Something Else Eliminate distractions from your personal social media when you’re working. You’d be surprised how much time you might be wasting checking your Facebook updates or Twitter stream. 65. Respond To Comments, But Keep It Short And Sweet Expedite social media response times. If you don’t have the time or energy to write up a thoughtful response to a social media post, sometimes a simple â€Å"Thanks for reading!† is enough to let someone know you've heard their feedback. 66.  Turn One Idea Into Multiple Posts Try writing a few different versions of a single post. Then, schedule those posts out throughout the week. Now one idea for your post has become three. 67. Use Twitter Lists Use Twitter lists to quickly follow influencers on specific topics. You can either create lists yourself to monitor accounts based on topics or interests, or simply search Twitter for lists on topics you’re interested in and follow them. #TimeSavingTip Use Twitter list to quickly follow influencers and topics without the noise....68. Use Storify Use Storify  to round up tweets and social media posts quickly. 69. Use Social Media Engagement Metrics For Instant Content Feedback Use social media engagement numbers as a rapid-fire real-time indicator of which content is most popular. 70. Use Hashtags Smartly Leverage hashtags to easily increase exposure. Be sure to choose hashtags that directly relate to your brand, blog, or content. This may seem basic, but it's an often overlooked tactic that can help your posts gain more visibility quickly. 71. Write Posts In Bulk Write social media posts in bulk and schedule them out at least a week or two in advance. 72. Use Followerwonk Want to analyze your Twitter performance and find influencers quickly? Try using Followerwonk. It’s free, fast, and easy to use. Back To Table Of Contents 6 Email Marketing Time Management Strategies 73. Use A Real Email Marketing Platform If you don’t have access to a developer who can build you custom email newsletter templates, then use a platform to manage email like MailChimp  or Campaign Monitor  (at , we use Campaign Monitor). They’re easy to use and make email marketing management a lot more efficient than going without them. 74. Resend Past Email Newsletters Instead of writing a whole new email, try taking your last email and sending it to anyone on your list who didn’t open it the first time (be sure to wait about a week first). 75. Use Pop-Up Forms To Build Your Email List Use automated pop-ups on your blog or website to build your email list fast and convert readers into email subscribers. SumoMe's Scroll Box is an  easy to use tool for this task, available in  both free and premium versions. 76. Give Away Free Bonus Content  To Drive Email Signups Use content upgrades to entice more email subscriptions. A content upgrade can be defined as a gated piece of content (like an infographic, ebook, video, course, or something else) that requires readers to exchange their email address in order to access the content upgrade. One piece of content can equal tons of subscribers, making this a highly efficient way to grow your email list. 77. Automate Email Follow-up With Boomerang If you need to automate a lot of messages for one-on-one email outreach, use Boomerang  to follow up on emails. 78. Check Email At Set Times (Instead Of Literally All The Time) When it comes to your own work email, set time aside to check your email rather than checking it every five minutes. If you took our suggestion of using HipChat or Slack for inner-office communication, you’ll probably notice the amount of email hitting your inbox dropping substantially, too. Back To Table Of Contents 3 Content Calendar Time Management  Strategies 79. Use A Content Calendar If you aren’t already, use a content calendar. Any kind of calendar. We’re going to plug ourselves quick here, but using can help save tons of time here. 80. Schedule Content Two Weeks In Advance Keep your calendar full for at least two weeks out into the future. You’ll get more done when you’re not stressed over hitting immediate deadlines. That may mean having to work a little extra hard at first to build up enough content to fill your calendar, but once you've gotten past that initial effort, you'll find yourself freer to strategize and work more efficiently. 81. Consistency Is Key Be consistent when updating your content calendar. Build habits that save time and your calendar  will, in turn, help you save time elsewhere in your workflow. Back To Table Of Contents 3 Analytics And Reporting Time Management Strategies 82. Use Pre-Built Google Analytics Dashboards If you’re not skilled in configuring Google Analytics yourself, get more utility from it faster using pre-built dashboards. That saves you time from having to learn how to configure everything correctly yourself  while making sure your dashboards are designed to be useful. 83. Use SumAll To Gather Social Media Data Use SumAll to automatically generate data-driven social media performance reports (note that as of March 1, 2016, this is a paid-only tool). 84. Set Up Automatic Reporting In Your SEO Platform If you’re using Moz, Raven Tools, or any other content marketing and SEO platform, use it to set up automatic reports delivered to your email. That way, you can provide reports to management quickly without having to build out reports manually. Back To Table Of Contents 17 General Time Management Strategies 85. Track Your Time Time tracking tools like Toggl  work well for this. Or, just use the timer on your phone. Over time, you’ll get a better idea of how much time tasks generally take, and be better able to plan accordingly in the future. 86. Use The Pomodoro Technique Try using the Pomodoro technique  throughout your workday. In short, it’s a productivity method where you work in 25-minute bursts, separated by break periods. 87. Take Timed Breaks Even if you don’t use the Pomodoro technique, taking timed breaks is still highly advisable. Your brain simply can’t fire on all cylinders around the clock. Taking breaks can actually increase your #productivity.88. Use A Password Manager Use a password manager to save time entering passwords or recovering passwords you’ve forgotten. 1Password  and LastPass  are both solid options. 89. Don't Fear Failure Fail fast and move on. Don’t let the fear of failure stop you from trying something new that may work better than what you did yesterday. 90. Don't Waste Time On Things That Aren't Working Likewise, if something isn’t working, either figure out why it’s not working or ditch it and move onto something else. Bias yourself toward action and don’t waste time overanalyzing things. 91. Avoid Multitasking Stop multi-tasking. Studies show you’ll get more done, more quickly if you focus on one task at a time. 92. Use Checklists Create task checklists to keep yourself on track. Wonder what makes checklists such an effective tool for getting things done? Read The Checklist Manifesto. 93. Never Start A Meeting Without A Plan Plan your meetings and set timers. Never go into a meeting without an agenda or a goal that the meeting is intended to help achieve. 94. Only Use Tools That Show Real Benefits Use tools and software services that deliver demonstrable productivity benefits. Ditch any that don’t. That saves time and money all in one fell swoop. 95. Take On Your Toughest Task First Thing In The Morning Do your most dreaded task first thing in the morning, whatever that task may be, to free up mental space to take on the rest of your day. 96. Get Enough Sleep Sleep. You’ll get more done, more quickly if you’re well rested. Working when you’re tired leads to diminishing returns over time. 97. Don't Say Yes To Everything Learn how and when to say no. While it’s often tempting to take on every opportunity and task handed your way, you don’t want to burn yourself out by taking on too much. Be realistic about what you can accomplish with the time you have. Simple but true: Saying yes to everything leads to #burnout. Learn how to #sayno. #productivity98. Leave Enough Time For Small Setbacks Leave a time buffer when estimating time for tasks to account for unforeseen hang-ups. This can help avoid missing deadlines. This is important because missed deadlines have a way of snowballing by pushing out timelines on other projects. 99. Make Time To Plan Set aside time for planning. It takes time, but it also saves time in the long run. 100. Use Friday Afternoons For Routine Maintenance Tasks Plan your least mentally intensive tasks for Friday afternoon when you’re probably drained. That way they won’t distract from more important work but they’ll still get done. Recommended Reading:  What To Do On The Weekend To Increase Your Productivity On Monday 101. Plan Tomorrow, Today Use the end of one day to plan what you’ll do at the start of the next day. You'll likely be feeling drained around the end of your day, which makes it a good time to write up a simple list of priorities for your next morning. You'd be surprised how much time this can save while making optimal use of your energy levels. Back To Table Of Contents That Wraps Up All 101 Marketing Time Management Strategies Developing better habits isn’t always easy, and odds are, it’s going to take a little while before you can start applying the majority of these time management strategies to your content marketing workflows. However, all of these items are things you can start doing today, taking things one small step at a time until you’ve established more efficient and productive ways to work. Are there any tips, tools, or tricks we’ve missed? Sound off in the comments below, and thank you for reading!